Re: Starting the journey

No like Spotify or like a credit monitoring service that is like 6 or 13 bucks a month no commitment that charges on your Credit Card because I imagine APR kind of high and don't want to pay interest on it

Re: Starting the journey

By Credit Bureau Association, I think you mean Credit Reporting Agencies, or CRAs. Having a slight balance on one card can improve your score slightly in most situations but just remember the basics and you will be ok. Those being, keep your balances low on your cards month to month. Pay your bills on time. Try to pay in full every month remembering that the balance on your statement date is the one that will be reported to the CRAs. Establish a few good tradelines through have a few open credit card accounts in good standing and you will do fine. . The little fine tuning of having a couple dollars report and that stuff, that is a small thing that people tend to over focus on but it is not a huge deal and it varies from case to case how much having a balance of 2% vs no balance really matters. I would say use your cards a little from time to time and pay your bill in full ontime and you will be good. Keep it simple. Credit building is about establishing and practicing good long term habits more than the difference of a couple dollars in a balance on one card in one month.

259/21001600/16002400/25002000/2000,2013 Scores (Initially none cause I had no credit at all then TU:519 Recent scores:FICO EX 632,EQ 635,TU 659....Link to my Rebuild Log

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